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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Looks like we are going to have to go about it the hard way.  DH went over to fill discuss payment and concerns about dog and all he got out of it was a thinly veiled threat.

She’s more concerned about the dog catching something while quarantined than she is my kid.  Not once did she ask if she was ok.  I get some people love their dogs more than people, but I truly can’t imagine.  I’d be absolutely torn up if my dog hurt anyone, especially a child.

DD is fine.  A big part of me wants to drop it. Let it blow over.  I already have this fear we are outsiders in this neighborhood and haven’t been here long enough to form a sense of community.  Do I really want to be the neighbor who sued an elderly couple?

Most people in this neighborhood are older retirees who have lived in their houses for decades.  We are a young visibly hispanic family.  I’m sure it’s all just my own stuff I’m projecting.  Everyone aside from little Cujo’s owners have been nothing but kind and welcoming.  [/quote]

When my kids have been treated for injuries, our health insurance company has sent us questionnaires asking where the injuries occurred—I’m assuming to see if there’s anyone else who could be held liable to pay for the medical treatment. I wonder if when your health insurance sees that this was a dog bite related visit they will go after the dog owners’ homeowners insurance. [/quote]

Insurance lawyer here. Here’s the reality.

- An urgent care bill is a few hundred dollars and it won’t be worth it to the carrier to pursue it.

- If OP were to sue, insurance would come after her if she recovered anything.

- Dog owner‘s insurance might not cover dog bites.

- It’s hard to recover a judgment when there is no insurance and people without insurance don’t settle.

- Damages are usually two to three times the medicals in this area. So, OP would be looking at a potential award or less than $3,000. More than half would go to the attorney - fees are 40% in most cases plus expenses which will be a few hundred. Then OP pays her insurer. She pockets nothing.

OP is right. It’s better to have a minor injury than to have one big enough to sue over it.

A PP who said that suing is hard is right. It is unpleasant, time consuming and takes a lot out of you emotionally.

No surprise that the lawyer with whom OP consulted did not recommend legal action. 
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